Commercial Multifamily (5+ Units) & Blanket Loan Solutions

Finding a Lender just get easier

Scaling a real estate portfolio requires more than just standard financing—it requires a strategic partner. Whether you are acquiring a 50-unit apartment complex or looking to consolidate a scattered-site portfolio into a single loan, we provide the capital structures designed for growth.

The Blanket Loan: One Loan, Multiple Properties

Tired of managing ten different mortgages with ten different due dates? A Blanket Loan allows you to cross-collateralize multiple properties under a single commercial mortgage.

The Power of the Blanket Structure:

  • Simplified Management: One monthly payment, one lender, one point of contact.
  • Unlock Equity: Use the combined value of your portfolio to pull cash out for your next acquisition without selling assets.
  • Release Clauses: Our blanket loans include Partial Release Provisions, allowing you to sell or refinance a single property from the "blanket" without paying off the entire loan.
  • Lower Costs: Consolidate closing costs, appraisal fees, and legal fees into a single transaction.

Find out how we can help you reach your mortgage goals by completing the form .

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Financing for 5+ Unit Residential Complexes

Properties with 5 or more units are categorized as commercial real estate. We specialize in non-recourse and recourse options that focus on the Net Operating Income (NOI) of the asset.

Our Commercial Loan Highlights:

  • Flexible Terms: 5, 7, and 10-year fixed terms with 25–30 year amortizations.
  • High LTV: Up to 75–80% Loan-to-Value for stabilized assets.
  • Entity Lending: We lend directly to LLCs, Series LLCs, Partnerships, and Corporations.
  • Value-Add Friendly: Competitive bridge-to-perm options for complexes needing renovations or stabilization.

How We Calculate Your Commercial Approval

In the 5+ unit space, the strength of the deal is measured by the Debt Service Coverage Ratio (DSCR) at the commercial level:

Pro Tip: For blanket loans, we calculate a Portfolio DSCR, allowing stronger performing properties to "carry" newer acquisitions or those currently undergoing renovations.

 Which Strategy Fits Your Portfolio?

Feature

Single Asset Loan (5+ Units)

Blanket Portfolio Loan

Best For

Apartment complexes & mid-rise buildings.

Multiple 1-4 unit rentals or small multi-family.

Collateral

One specific property.

Multiple properties across a city or state.

Cash-Out

Based on single property appraisal.

Based on total aggregate portfolio value.

Exit Strategy

Refinance or Sell the asset.

Sell individual assets via Release Clauses.